and make catastrophic cuts to education. so remember what romney said... and what his plan would do. president obama: i'm barack obama and... i approve this message. we'll have a new look after ou >>> sandy soak our region and toppled trees. >> liz crenshaw is here with the answers about insurance. let's start with the trees. trees on houses and cars. who covers what? >> it is hard to keep this straight. tree damage is what most folks in our area are dealing with. if your tree falls on your neighbor's house, your neighbor's homeowner's insurance will cover that damage. if your neighbor's tree falls on your house, your homeowner's insurance covers the dang. pretty simple. if a tree falls on your property but does not hit or damage anything, you pay for it out of pocket to have it removed. if a tree falls on your car, comprehensive auto insurance covers that damage. there will be a quiz. >> we got that straight. what about filing a claim? what's your best advice in. >> do it the right way. for starters, could not tack your insurance agent right away. make a